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Patrick Dsouza |1429 Answers |Ask -Follow

CAT, XAT, CMAT, CET Expert - Answered on Apr 24, 2025

Patrick Dsouza is the founder of Patrick100.
Along with his wife, Rochelle, he trains students for competitive management entrance exams such as the Common Admission Test, the Xavier Aptitude Test, Common Management Admission Test and the Common Entrance Test.
They also train students for group discussions and interviews.
Patrick has scored in the 100 percentile six times in CAT. He achieved the first rank in XAT twice, in CET thrice and once in the Narsee Monjee Management Aptitude Test.
Apart from coaching students for MBA exams, Patrick and Rochelle have trained aspirants from the IIMs, the Jamnalal Bajaj Institute of Management Studies and the S P Jain Institute of Management Studies and Research for campus placements.
Patrick has been a panellist on the group discussion and panel interview rounds for some of the top management colleges in Mumbai.
He has graduated in mechanical engineering from the Motilal Nehru National Institute of Technology, Allahabad. He has completed his masters in management from the Jamnalal Bajaj Institute of Management Studies, Mumbai.... more

Asked by Anonymous - Apr 22, 2025

Career

I'm a 46 yr old M.com having a Warehouse business since 25 yrs which is generating low income since pandemic. I have not done any other work. In my college days. I was keen on a Finance career but it didnt materialize due to personal reasons. I dont have any knowledge or experience but I want to take up a job so pls kindly advise what I can do now in this stage of life. Pls guide.

Ans: Look at options of doing a job as well as starting on your own. On your own you can try to be financial advisor or insurance/mutual fund agent after doing relevant courses. For a job, contact a placement agency to find what course you should do so that you can be job ready.

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Mayank Rautela | Answer |Ask -Follow

HR Expert - Answered on Jul 14, 2021

Question by Trimukh - Jul 14, 2021Hindi

Career

Hello Sir,I completed my MBA in finance in 2016.I have two years of work experience.Due to some family issues, I have not been working for the last three years. How can I re-enter the job market?I am 29 years old. Please suggest the possible sectors where I will do well.I am in dire need of a job.Thank you, Sir.Trimukh Pasheme

Hi Trimukh.

With a finance background, you stand a chance to enter almost every industry.

However, since you have not been working for three years, you would need to do some course in financial management and also be open to entry level jobs like that of a billing executive to restart your career.

Mayank Rautela | Answer |Ask -Follow

HR Expert - Answered on Mar 30, 2022

Question by Anonymous - Mar 30, 2022Hindi

Career

Sir, I am 36 years old. I completed my BE in 2007 in electronics and telecommunications. But I couldn't get any job and with lot of difficulty I got a job as a clerk in private bank in 2012. Two months ago, I quit my job to give some time to my son. The management was also harassing me for canvassing third party products like insurance and accounts. And the working hours were too long. I couldn't bear it and decided to quit. I am at fault that I was too comfortable with the bank’s job and didn't learn anything new or get out of my comfort zone and try new things. Now, I have exited my job and am also at a higher age. I want to learn something which can be beneficial and maybe I can get opportunity to work after one year. I’m confused as to what to learn. Can you guide me? I live in a semi-urban area and in future also I would like to be here only. Can you also tell me about some home-based jobs to boost my income? I am ready to learn but I still don't know what to do. Regards, Confused and Anxious Viewer

Hi.

I can understand your situation and would recommend these possible options:

1. You can start your own business dealing with multi-level marketing.

2. You can consider a data processing/accounting role in a BPO.

3. Pursue a course in an area of your interest that can sharpen your competencies.

4. Teaching could be another possible career option.

Shekhar Kumar | Answer |Ask -Follow

Leadership, HR Expert - Answered on May 13, 2024

Asked by Anonymous - May 10, 2024Hindi

Career

Hi, I'm 40 years old ,i have done BBA in finance and marketing. It's completed in 2006.i have experience of 5 year in retail and then I moved to foreign exchange company and worked for another 4-5 years in 2-3 companies.but I lost my job in corona time.and since then I'm working as a freelancer for the forex customers.also looking for jobs but couldn't get right job.i have responsibilities but I am not earning as I needed. Pls suggest me what should I do?

Ans: I understand this must be a frustrating situation. You have a strong educational background and experience, but the job market can be tough. Don't view freelance work as a gap in your employment history. Frame it as an opportunity where you leveraged your expertise to consult with clients. Quantify your achievements as a freelancer whenever possible (e.g., increased client base by X%, secured Y new contracts). The financial and marketing fields have likely evolved since your graduation in 2006. Consider taking online courses, certifications, or workshops to update your knowledge in areas like financial technology (FinTech), digital marketing, or social media marketing. These in-demand skills can make your resume more attractive to employers. Since you already have experience freelancing for forex clients, explore ways to expand your freelance offerings. Can you offer additional services like market research, competitor analysis, or content creation related to finance or foreign exchange? Don't limit yourself to just finance or forex roles. Consider marketing positions within financial institutions, wealth management firms, or fintech companies. Your marketing background could also be valuable in other industries like retail, healthcare, or technology. Remember, your age and experience are assets. Age is not a liability; hence, by highlighting your transferable skills, expanding your skillset, and utilizing a strategic job search approach, you can increase your chances of landing the right job.

Rajesh Kumar Singh | Answer |Ask -Follow

IIT-JEE, GATE Expert - Answered on Dec 24, 2024

Question by Bratati - Dec 24, 2024Hindi

Career

I'm reading for UPSC and cracked three tier 1 and 2 but not in interview in last 1 and half year. I'm not lacking motivation in reading further or something similar. I'm bound to do it . But the thing is finance . I'm reading by myself and parents support me . To support my family I wanna l do any freelancer job but don't know how to . I've coms (H ) bsc degree and I'm not a good teacher. What kind of things I can do online or having 0 to Little money invested. I tried to find on internet but can't. So help me with it .

Ans: Part time job of Data entry at Big shop establishment in ur locality will be better.

Latest Questions

Reetika Sharma |452 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by SURESH - Dec 17, 2025Hindi

Money

I am 62 years old and I forgot to apply for a monthly pension from EPFO, even though I worked for my previous company for 13 years. I am currently working for another company, but when I try to apply online, I don't see Form 10D; only Form 31 is showing, even though I have left my previous company. pls confirm me what is a issue.

Ans: Hi,

The issue is that you are still employed and online application for monthly pension i.e. Form 10D is available only after you have left service and updated your date of exit on the EPFO portal.
But as you are currently active with a new employer, the system only permits Form 31 for partial withdrawals.

Since you meet the requirements for a superannuation pension (age 62 with 13 years of service), please follow these steps to proceed:

1. Verify Your Service History - Check the "Service History" section of your UAN portal. Ensure your previous employer has officially updated your Date of Exit. The online system cannot process a pension claim without this status update.
2. Use the Offline Application Method - If the online portal remains restricted or encounters technical errors, you must submit a physical application.
* Download Form 10D: Obtain the hard copy from the official EPFO website.
* Employer Attestation: Complete the form and have it signed by your previous employer.
* Alternative Attestation: If your previous employer is unavailable or the company has closed, you may have the form attested by a Gazetted Officer, a Magistrate, or your Bank Manager.
3. Submission Details - Submit the signed form to your regional EPFO office along with the following:
* Three passport-sized photographs.
* A cancelled cheque (for the account where you wish to receive the pension).
* Valid proof of age.

For real-time status updates or specific account queries, you can reach the **EPFO helpline at 14470.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |452 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by Bhogu - Dec 11, 2025Hindi

Money

Dear Sir, Kindly enlighten me as to how long one can park ( years ) MFs in growth investments. Do they need to be renewed periodically? Do they lapse on long period of investments?

Ans: Hi Bhogu,

You can park for indefinite period. There is no renewal necessary and there is no lapse. On death of the holder, your family can claim those investments if they have the details.

But since you are a new investor, avoid investing in random funds and take a professionals help.
Do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |452 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by deepa - Nov 28, 2025Hindi

Money

I have invested in Quant Small Cap, Quant Infrastructure and Quant Large and Midcap through SIP route. This is almost 18 months and I have never found these 3 on positive so far. Please suggest if I can stop and switch to some one. I plan these SIPs for a time frame of 3 yrs. Best

Ans: Hi,

These funds are not recommended. You can redeem these funds and invest in better funds available. And avoid investing in such random funds yourself. Instead take a professional's help.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |452 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by Siddhartha - Nov 30, 2025Hindi

Money

What is Sovereign Gold Bond. How does it work and how much it is beneficial as compared to FD's for those seeking regular income.

Ans: Hi Siddhartha,

SGB were great Gold Bonds to invest your money in, but these have been discontinued by the government. You cannot invest in any SGB now. But SGB's were not ideal for regular income as they offered only 2.5% annual interest.
FD or SWP from mutual funds is the best way to seel any regular income.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |452 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Nov 08, 2025Hindi

Money

Hi, I am working in IT with 40k salary and 1 year experience. I saved 2 lakhs in my bank and i am planning to go to masters in sep 2026( Due to on going situation I may or may not go for masters in this situation). So i want to multiple my money by doing something instead of just keeping them in bank. Can someone give me suggestions on this.

Ans: Hi,

As you are still unsure of your masters next year, you may keep this money in debt mutual funds. And shift it to equity if not required for more than 10 years.
You can go for HDFC short term debt fund to park your money till you make a final decision.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Samraat Jadhav |2523 Answers |Ask -Follow

Stock Market Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 23, 2025Hindi

Money

Please advise on the following stocks. 1.Escorp Asset Management Ltd 2.Bharat Seats 3. Laurus Labs Ltd 4.National Aluminium Co Ltd 5. Precision Wires

Ans: 1 - not listed
2 - Exit
3- Hold for long term
4- Hold for long term
5-Exit

Reetika Sharma |452 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Asked by Anonymous - Dec 10, 2025Hindi

Money

I am 37 years old working professional. I have 50L in EPF, 30L in NPS, 60L in stocks and MF, Gold worth 50L, 30L in FDs and 25L in leave and gratuity and other savings. I own a loan free flat where my parents live. How much do I need to retire early?

Ans: Hi,

At the age of 37, you have build a good corpus for yourself. Your overall amount is properly diversified.
To retire early, you need to make sure of few points:
1. Have adequate emergency fund in liquid form.
2. Have proper term insurance and health insurance for yourself and family.
3. Make sure to account for any major financial goals in future such as your marriage, vacations, kids, their education, parents health etc etc.
4. Consider amounts for all these goals.
5. Need to consider your expenses as well. Without these I cannot give you a number.

Assuming your current expenses at 1 lakh per month, you need to have 3 crores to fund you forever (with inflation adjusted expenses).

Hence help me with more details for me to help you better.

Also, as you MF n stocks is 60 lakhs, you need to consult a professional to work out exact funds to invest into as random fund selection often gives far less returns.

Hence do consult a professional Certified Financial Planner - a CFP who can guide you with exact funds to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Reetika Sharma |452 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by Santosh - Dec 10, 2025Hindi

Money

My salary is 87k per month.i want to buy 65lakh house in Bangalore please guide me.

Ans: Hi Santosh,

You should focus on increasing your income and savings rather than trap yourself into EMI cycle for the rest of your life. Start saving in SIP rather than starting EMI.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

Dr Nagarajan J S K |2579 Answers |Ask -Follow

NEET, Medical, Pharmacy Careers - Answered on Dec 24, 2025

Question by Anagha - Dec 16, 2025Hindi

Career

Hi, I have completed HSC with 46% but couldn't took admission in BPT with so passed BA with 67%. Now after 5years if I want to take admission in BPT, should I reapply the exam privately or just look for NEET score improvement . What will be accurate?

Ans: Hi Anagha,

Could you please share the details of the marks you scored in the HSC? This will help me provide you with better suggestions.

Also, are you still strong in your science subjects?

Lastly, you mentioned that you completed your BA. In which stream did you graduate?

I look forward to your response. Thank you!

BEST WISHES.

Reetika Sharma |452 Answers |Ask -Follow

Financial Planner, MF and Insurance Expert - Answered on Dec 24, 2025

Question by Deepak - Dec 11, 2025Hindi

Money

Sir, To invest in SWP fund for monthly Rs.25000 withdrawl, What amount to invest in SWP and which fund is best for it?

Ans: Hi Deepak,

You can choose a good debt fund to invest your money for SWP of 25000. Need to tell me for how long you need this withdrawal to give an initial investment number.
- if you need 25k monthly for 10 years, you will need 21.5 lakhs investment giving 8% annual return.
- if you need 25k monthly for 20 years, you will need 31 lakhs investment giving 8% annual return.
- if you need 25k monthly forever, you will need 40 lakhs investment giving 8% annual return.

But this withdrawal is not inflation adjusted. You will need to increase this amount substantially.

You can choose to work with a professional Certified Financial Planner - a CFP who can guide you with exact strategy to invest in keeping in mind your age, requirements, financial goals and risk profile. A CFP periodically reviews your portfolio and suggest any amendments to be made, if required.

Let me know if you need more help.

Best Regards,
Reetika Sharma, Certified Financial Planner
https://www.instagram.com/cfpreetika/

See more questions »

DISCLAIMER: The content of this post by the expert is the personal view of the rediffGURU. Investment in securities market are subject to market risks. Read all the related document carefully before investing. The securities quoted are for illustration only and are not recommendatory. Users are advised to pursue the information provided by the rediffGURU only as a source of information and as a point of reference and to rely on their own judgement when making a decision. RediffGURUS is an intermediary as per India's Information Technology Act.

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